Food & Restaurants · lender intelligence
How to finance a Subway in Idaho
The SBA 7(a) lenders funding the most Subway deals in Idaho, from public loan records — typical Subway loan about $210K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Subway in Idaho
$250K
Typical loan
range $228K–$920K
$278K
Est. purchase price
≈ loan ÷ 90%
$37,153
Cash to close
$27,778 down + fees
$3,659/mo
Typical payment
~12.5% · 10yr
$50,494/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
26 days
Typical time to fund
3
Lenders competing
more = leverage
6.5%
Avg rate on record
cap ~9.75%
Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.
Most active with Subway in Idaho
Ranked by funded Subway loans in Idaho. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.618 loans · $171M · Salt Lake City, UTFull record →
- 2.83 loans · $31M · Sandy, UTFull record →
- 3.99 loans · $43M · Walla Walla, WAFull record →
3+ funded Subway in Idaho deals
Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.
- 521 Endurance Inc in Boise, ID — $228K (2023) · purchase · Zions Bank, A Division of
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $171K (75%)
- Approval → funding
- 7 days
- Approved
- 2/8/2023
- First disbursed
- 2/15/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 19
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $254K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $34K
- Monthly payment
- $3,730
- Annual debt service
- $45K
- Cash flow needed (1.25×)
- $56K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Zions Bank, A Division of · Lender record →
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- Eat Fresh NW, LLC in Post Falls, ID — $920K (2021) · purchase · Banner Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $828K (90%)
- Approval → funding
- 64 days
- Approved
- 9/27/2021
- First disbursed
- 11/30/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $102K
- Est. cash at closing
- $140K
- Monthly payment
- $9,871
- Annual debt service
- $118K
- Cash flow needed (1.25×)
- $148K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Banner Bank · Lender record →
Your business? Claim this record · Request removal
- Nourish the Soul LLC in Horseshoe Bend, ID — $250K (2020) · purchase · Mountain America FCU
- Program
- Preferred Lenders Program
- Rate at approval
- 4.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 26 days
- Approved
- 9/4/2020
- First disbursed
- 9/30/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Limited-Service Restaurants
If you were the buyer here
- Est. deal size
- $278K
- Est. down payment (10%)
- $28K
- Est. cash at closing
- $37K
- Monthly payment
- $2,621
- Annual debt service
- $31K
- Cash flow needed (1.25×)
- $39K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Mountain America FCU · Lender record →
Your business? Claim this record · Request removal
Buying a Subway in Idaho? Start with a lender that funds them here
We'll point you to the SBA lenders already financing this brand in your state — and help you make them compete on rate and speed.
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Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Subway loans with a Idaho project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Subway purchase in Idaho with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Idaho deals. Zions Bank, A Division of funds the most here. CapBench is not a lender.
- $210K typical Subway loan
- 3 lenders active in Idaho
- 3+ funded Idaho deals
- 26 days typical to fund
Buyers buying a Subway in Idaho typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.